DTRIC Insurance
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
As of late 2025, DTRIC Insurance Company, Limited has formally begun withdrawing from the Hawai‘i market and transitioning into a run‑off carrier. Its parent MS&AD has filed notice with the Hawai‘i Insurance Division that DTRIC will no longer issue new policies or renew existing ones, including homeowners insurance. Existing in‑force policies will continue to be serviced and claims handled through the run‑off period, but no new home business is being accepted. ([cca.hawaii.gov](https://cca.hawaii.gov/ins/release-dtric-insurance-to-withdraw-from-hawaii-market/?utm_source=openai)) Preferred / target risks: - There is no current published preferred appetite for new or renewal homeowners risks, as the carrier is exiting and has stopped writing new business. Historical marketing content describes standard Hawaii homeowners exposures (owner‑occupied dwellings, typical personal property and liability) but these materials are now effectively legacy only and not operational appetite guidance. ([dtric.com](https://www.dtric.com/homeowners-insurance/?utm_source=openai)) Restricted or declined classes: - All new homeowners policies are effectively declined. A notice on DTRIC’s online homeowners quote portal states that, effective Monday December 1, 2025, DTRIC is no longer taking new business. This should be interpreted operationally as a blanket decline on new personal lines submissions, including home. ([homequote.dtric.com](https://homequote.dtric.com/?utm_source=openai)) - Existing policies are being non‑renewed as part of the withdrawal plan; the Hawai‘i Insurance Division has issued consumer guidance and FAQs explaining that customers will need to find replacement coverage before their DTRIC policy terms expire. ([cca.hawaii.gov](https://cca.hawaii.gov/ins/release-dtric-insurance-to-withdraw-from-hawaii-market/?utm_source=openai)) Geographic notes: - Historically, DTRIC wrote only in Hawai‘i. All current guidance from the Hawai‘i Insurance Division and public releases is that DTRIC will withdraw from the Hawai‘i market entirely and operate solely in run‑off, with no ongoing active underwriting in any Hawaii territory. ([insurancenewsnet.com](https://insurancenewsnet.com/oarticle/dtric-insurance-to-begin-exit-from-hawaii-market?utm_source=openai)) Submission / renewal requirements: - New business: Do not submit new homeowners accounts to DTRIC; they are no longer being accepted via online quote, agent channels, or otherwise. - Renewals: Existing DTRIC homeowners policies may continue until their natural expiry, but many will receive non‑renewal notices. Any remaining renewals are processed subject to whatever internal underwriting and rate changes are in effect during the run‑off; however, those internal criteria are not published for producer use and, per the state’s FAQ, are transitional only. ([cca.hawaii.gov](https://cca.hawaii.gov/ins/files/2025/10/DTRIC-FAQs.pdf?utm_source=openai)) Broker / producer notes: - Agents should treat DTRIC as a run‑off market only and focus on moving policyholders to alternative carriers well in advance of each policy’s non‑renewal date. - The Hawai‘i Insurance Division advises affected DTRIC policyholders to contact their agents to explore options with other authorized insurers or, if unable to obtain private coverage, the Hawai‘i Property Insurance Association (HPIA). Producers should be prepared to quote replacement coverage with other markets or guide insureds to HPIA where appropriate. ([cca.hawaii.gov](https://cca.hawaii.gov/ins/release-dtric-insurance-to-withdraw-from-hawaii-market/?utm_source=openai)) - DTRIC’s public "Agent Resources" and portal pages remain online but do not provide updated underwriting or appetite manuals for homeowners; operationally, producers should assume there is no active appetite and use the portal only for servicing existing accounts in run‑off. ([dtric.com](https://www.dtric.com/agentresources/?utm_source=openai)) Net operational takeaway for home: Do not submit new or remarketed homeowners risks to DTRIC. Use the carrier only to service and run‑off existing policies until their expiration/non‑renewal, and proactively move all remaining home insureds to alternative markets or HPIA where needed.